You get $200 bonus cash back if you spend $500 in the first three months of signing up for the card.

No annual fee.

Five percent cash back up to $1,500 in certain categories that rotate each quarter. Here's the calendar for 2012:

January to March: Gas Stations, Amazon.com April to June: Grocery Stores, Movie Theaters July to September: Gas Stations, Restaurants October to December: Hotels, Airlines, Best Buy, Kohl's

When planning your wedding, aim to charge your down payment to the restaurant from July to September. And perhaps if you want to buy wedding favors or knickknacks from Amazon.com, January to March would be a good time to do so. If you're planning on using the same card for your honeymoon, you should opt to buy tickets and add hotel charges onto this card during the last quarter of the year.

One percent cash back on everything else.

The APR rate is zero percent for the first 15 months, then 15.99 percent to 22.99 percent.